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schizcat

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  1. Citi Diamond Preferred 3k > 4.5k auto cli. Only had card for 7 months
  2. Wouldn't use it to reap the benefits. Not gonna pay it off every month. It would carry a balance. Not sure what my signature shows but it probably outdated
  3. I officially canceled the card before I even got it. Hopefully they don't blacklist me from one in the future
  4. Thanks for the clarification and the education. Guess I'll let this one sit and find another card.
  5. Approved for Amex Gold. Not sure if they'll combine my current preferred card balance. Not even sure I'll activate it. Didn't think they would approve it but took the shot. 0% interest for first 12 months. May make a big purchase and call it a day. AF of $250 is a little steep.
  6. Listen to these guys Lates are hard to get off. Not saying it can't be done but in your case, it may be a challenge. If you came to CB you are using your best resources. There's nothing you cant do for yourself that an agency can't do for you. You just spend more with them.
  7. That was might thought. They may be canceling their side of the collection and just selling it off to a CA. How long ago did you get the letter? This could be residual from when they said they were getting rid of their personal credit lines.
  8. Sounds like it will show as on time. You'll have to get an updated report to verify.
  9. Do your Chase or barclays not offer rewards? B of A offers a decent cash rewards card. So does Amex and Citi. Don't fear the denials. Inquiries don't hurt like they used to. Just apply for a couple and see what happens.
  10. Sounds like your goals are in place. The COs are probably hurting the most. You may have some luck with goodwill letters if this was medical related. Use your cards and PIF each month if you can. You will need to build credit back. You may want to keep a small balance on one card for reporting. Also try to join a credit union as they can be more forgiving with loans and credit cards. Sometimes you just have to play the waiting game.
  11. How much longer do you have 0% on that PayPal card?
  12. Each bank will be different. It just depends on how they view your history as a whole. After a few months of positive trade line with Amex, chase my be more forgiving.
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